Understanding Credit Repair
Repairing your credit takes more than just luck. If you really want to see lasting results in your score, you’ll need to follow a specific formula designed to remove black marks at their root. And while you don’t need to rely on a trained credit repair specialist for help, it certainly wouldn’t hurt!
No matter your path, it pays to know what you’re getting into before repairing your credit. Let’s explore everything you need to know about the credit repair process — starting with the steps involved.
What you need to know to navigate the credit repair industry
There are just three steps in the credit repair process:
Checking your most recent credit report — You can get these for free from each of Australia’s major credit bureaus (Equifax, illion and Experian). Here you’ll be given a detailed look at your credit history, which includes any recent credit applications, defaults and more.
Removing black marks — You can negotiate the removal of accurate negative items, although creditors are not obligated to do so.
Removing inaccurate information — You can dispute any false information with a documented dispute letter.
Navigating credit repair processes can be confusing — especially if you don’t have much experience in the credit repair industry.
Credit repair tips in Australia
If you want to try the credit removal process for yourself, keep these three tips in mind:
Start with the basics — Thoroughly evaluate your credit report for any black marks, enquiries, or inaccurate information. You can get an audited credit report from Real Credit Repairers.
Temper your expectations — If there’s one guarantee about credit repair, it’s that there’s no such thing as guarantees. You may not be able to remove every black mark on your credit report, though you can still do a world of good.
Make solid and documented claims — Be sure you have all the information necessary to dispute incorrect info and negotiate black marks. You’ll need documents on hand that have your address, date of birth, and account information.
Anybody could navigate the credit repair process — including you! However, calling creditors and negotiating debts can be nerve-racking, time-consuming and stressful. If you’re shy about talking to creditors over the phone or don’t have time to scour your credit report, you may want to contact a credit repair specialist like Real Credit Repairers.
Real Credit Repairers are the credit repair specialists you need
You may already understand how the credit repair process works — you just need to navigate it quickly, safely, and effectively. Real Credit Repairers has been doing this for many years and has supported thousands of Australians with credit repair services that last the test of time.
Help and hope are just a phone call away. Get in touch with Real Credit Repairers to discuss credit repair services and your personalised process.
